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Seasonal Residence Insurance

Protect your home away from home

A vacation home is symbolic in many parts of Canada, representing shared connections with friends and family. We’re here to protect your special moments with straightforward, easy-to-understand insurance.

Insurance for vacation homes can be complex, so we've simplified it. The way you buy home insurance now applies to seasonal properties — providing great base coverage with customizable options to build a seasonal home insurance plan that is right for you.

We designed our unique seasonal suite with Canadian cottagers in mind, featuring a Comprehensive option for those looking for the best possible coverage for their buildings and contents.

  • Unlimited Food Spoilage coverage
  • All Risk coverage and higher included limits for contents
  • Theft coverage including Mysterious Disappearance
  • Guaranteed Replacement Cost and Single Limit
  • Building Bylaws coverage
  • Additional Living Expenses

Broad and Basic packages are also available.

Our insurance for seasonal properties includes protection against:

Fire and smoke

Hail, wind, and lightning

Fallen trees and ice

Premises Liability

Remote living poses unique challenges. Depending on the use and location of your vacation property, your Wawanesa broker may recommend these specific selections for your seasonal residence insurance policy:

Coverage against severe water damage caused by sewer backup, overland or ground water flooding. Learn more.

Protection for those purchasing a new property and building a seasonal dwelling on it.

Safeguards against losses resulting from the enforcement of new or changing by-laws.

Coverage for home sharing and Airbnb-style rental arrangements. Learn more.

Ensure full protection for your seasonal residence by exploring these additional options with your insurance broker.

Detached outbuildings, such as boathouses, docks, garages or sheds, may benefit from additional insurance if they are integral to your vacation lifestyle.

Adding this endorsement guarantees full coverage for a rebuild, even if it exceeds your policy limit, putting you in the same position you were in before a loss.

For hunters and large families, unlimited coverage for spoiled food due to power loss or mechanical breakdown of a freezer may be a wise addition to your policy.

The value of the contents in vacation homes often changes over time. Increasing your coverage limit can ensure fair replacement of valuables and guests’ belongings without having to regularly review your insurance plan or document new possessions.

When construction and labour costs rise due to inflation, your fixed insurance limit may become inadequate to cover the actual expenses incurred during a rebuild. Inflation guard automatically adjusts your coverage limits to ensure your insurance keeps pace with inflated rebuild costs.

Before you embark on another season of making vacation memories, connect with a Wawanesa insurance broker to design your ideal seasonal residence insurance plan.

Find a broker